The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,541
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$1,155/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,106/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,259/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,385/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,836/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,781
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,090
−HK$1,327/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,127
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,748
−HK$1,617/mo
Today · 4.125%
HK$54,365
baseline
▲ 0.50% · 4.625%
HK$57,673
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,730/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,438
−HK$1,548/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,819
−HK$2,079/mo
Today · 4.125%
HK$69,898
baseline
▲ 0.50% · 4.625%
HK$74,151
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,796/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,172
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,134
−HK$1,991/mo
Today · 4.125%
HK$77,125
baseline
▲ 0.50% · 4.625%
HK$81,191
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,250/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,930 · Scale 2, in force from 26 Feb 2026)